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We work with a third party inspection company to perform exterior inspections of most of the properties we insure. Since the inspectors do not need to go into your home, we do not ask them to make prior appointments with you. While the inspectors will not ask to enter your home, they will examine it from the outside and take pictures for our files. The purpose is to determine if there is an exposure to potential loss that could be corrected. This will help to protect your investment and your family, and keeps insurance rates down. Your policy booklet contains a section called “Notification of Information Practices” that provides additional information regarding our inspection program. You do not have to be present for the inspection.
We offer several discounts, many of which – including discounts based upon the age of the home or how long you have owned it – are automatically included in the premium. Additionally, your home may qualify for a discount based upon security features you may have, like being located in a gated community or having a monitored alarm system. Please login to the Customer Service Center to check whether you are receiving all applicable discounts.
If you would like to see how much your premium would go down if you increase your deductible or install an alarm, please login to the Customer Service Center to check pricing or ask a licensed customer service representative to help you.
It may. For example, if you have a new home, you receive a discount based on the age of the home. Over time, this discount decreases, and your premium will increase correspondingly.
Yes, in most cases. If your improvements result in increased property value, your original coverages may not provide adequate protection for you. We recommend that you notify us of these improvements so that we may assist you in determining if you would benefit from an increase to your policy coverages. Further, your policy may require you to report such improvements to us in order to receive full policy benefits in the event of a loss.
To process a name change request (either a name change or addition), please fax a copy of the deed or quit claim deed as proof that all named insureds referenced are owners of the property.
For a “Last Name” change request, please provide a copy of your marriage certificate or your updated driver´s license with the new last name.
You may fax your request to (949) 838-0019; include name, policy #, property address, and effective date. Please allow 24-48 hrs for processing. For faster priority processing, typically processed in 4 hours, please submit your request online at our Customer Service Center.
Yes. Changing the occupancy and/or use of the property without notifying us may result in a reduction or elimination of coverages. If you decide to rent your home, you would need a dwelling fire policy. A dwelling fire policy is similar to a homeowners policy but does not provide coverage for items such as personal property and liability; these coverages can usually be added for a minimal charge. We offer dwelling fire policies for properties located in the states of Arizona and California.
No. Earthquake quotes can be obtained by logging in to the Customer Service Center.
No. Western Mutual only offers earthquake coverage in addition to a Homeowners Insurance Policy or our Dwelling Fire Policy. All insurance providers who offer homeowners coverage to California consumers are required by law to make earthquake insurance available as well. The Western Mutual Insurance Group offers a Basic Earthquake Policy, which carries a 15% deductible. Western Mutual also offers earthquake coverage as an endorsement for its Preferred Homeowners Insurance policyholders in Arizona, Colorado, Nevada, New Mexico, and Utah.
Homeowners policies do not cover flood damage. If you have homeowners policy with us, you can get a flood quote by calling us directly at 1-800-234-2114. You can visit the National Flood Insurance Program of the U.S. Government at http://www.fema.gov/information-property-owners/ for more information about this type of coverage.
No. Western Mutual only offers preferred homeowners insurance, dwelling fire insurance, condominium owners insurance, earthquake insurance and flood insurance options. Specializing in only home insurance helps Western Mutual offer lower rates, while maintaining its high quality homeowners&apos services.
The amount of liability coverage offered depends upon the state where your home is located. Please login to the Customer Service Center to find out how much coverage is available and what it will cost to increase your liability coverage.
We utilize a third party to inspect most of the properties we insure. While the inspectors are not required to enter your home, they will examine it from the outside and take pictures for our files.
Although we are unable to send someone to your home to meet with you personally, licensed sales representatives are available to answer your questions by phone at 877-WMUTUAL (968-8825) or on our convenient online chat feature Monday through Friday between the hours of 8:00 am and 4:30 pm PST. If you would like to contact us online during non-working hours, send us an e-mail at [email protected] ([email protected] for AHIC) and we will respond to you the following business day.
No, what you are quoted is the final premium for the coverages and deductible you have selected.
You will need to provide a list of items that were destroyed or damaged. We suggest you keep all receipts for personal property purchases. You may also want to keep an inventory of all the contents inside your home. You may accomplish this by completing an inventory list or by photographing or videotaping each room to create a visual record. Your home contains the possessions you and your family have acquired throughout your lives. Attempting to create an inventory after a loss can prove to be a daunting task. Thus, it is a good idea to create a Personal Property Inventory and keep it in a safe place. The Insurance Information Institute (III) offers free software that guides you step-by-step through the inventory process. If you are interested, go to www.knowyourstuff.org to download the III’s inventory software.
The rating of your policy is not affected by claims experience. However, we may review a policy´s claim history prior to the renewal date to determine the eligibility for continuance of coverage.
While your homeowners policy would cover the loss of your personal property, any damage to your automobile or related parts would be excluded. This type of damage would be covered under your automobile insurance policy.
We use independent adjusters and contractors to investigate and research our policyholder claims in areas not served by our company adjusters.
The insurance policy must be reviewed to determine the applicable coverage, and the value of damage to the property must be determined.
It’s now easier to file any claim using our Policyholder Customer Service Center If you need to use the phone, please call 1-800-927-2142 to report a claim. If your claim occurs during non-business hours and is an emergency, leave a detailed message and you will be contacted as soon as possible.